Credit card recommendations to replace Alliant 2.5%

[Clegga]

I have heard a rumor going around that Alliant will be nerfed soon to 1.6%. When I called, customer service was not able to confirm, but now I'm looking around for alternatives. 

Was the AOD card opened to applicants after its nerf to a $1500 cap? I remember it was closed to apps a few years ago.

I don't have a lot of money to put in a brokerage account, so BofA isn't a very attractive option to me. How is the hoop jumping with US Bank? 

I value a good user experience and have a bias towards preferring credit unions. I'm in Northern California for geofenced recommendations. 

[GZG]

it's opened back up, joining will be a EQ HP and you can probably use that HP when joining for the CC, be prepared for that

[Clegga]

Thanks for the info! Suppose it's time I joined the bicycle club.

[CaneVariant]

Stanford Federal Credit Union's Tech Card might work if you can swing Ambassador level. Card is 3x amazon, apple, google, 2 x dinning and groceries 1 x everything else. If you are Ambassador you get a monthly 2% cash back bonus up to $100/month.

[ptatohed]

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@Clegga wrote:

I have heard a rumor going around that Alliant will be nerfed soon to 1.6%. When I called, customer service was not able to confirm, but now I'm looking around for alternatives. 

Was the AOD card opened to applicants after its nerf to a $1500 cap? I remember it was closed to apps a few years ago.

I don't have a lot of money to put in a brokerage account, so BofA isn't a very attractive option to me. How is the hoop jumping with US Bank? 

I value a good user experience and have a bias towards preferring credit unions. I'm in Northern California for geofenced recommendations. 

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AOD, Robinhood, Aven for 3%. 

There is nothing at USB for you.  The Smartly card requires too much money in a no-interest account to elevate the CB beyond 2%.  

[Clegga]

The Stanford card looks nice, but Ambassador level requires a few things I don't have unfortunately. It requires $2500 monthly direct deposite, specifically indicating zelle/transfers/checks don't count. 

Then you need to meet two requirements:

Easy one: monthly $500 spend on their card

Hard: $50k invested with them, open a vehicle or person loan, have a mortage with them, deposit $25k

Most accessible would be 20 debit transactions but that's realisticly still a burden. Unless there's an easy way to do that? Idk Even if there was I don't make $2500 a month. 

[ptatohed]

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@Clegga wrote:

The Stanford card looks nice, but Ambassador level requires a few things I don't have unfortunately. It requires $2500 monthly direct deposite, specifically indicating zelle/transfers/checks don't count. 

Then you need to meet two requirements:

Easy one: monthly $500 spend on their card

Hard: $50k invested with them, open a vehicle or person loan, have a mortage with them, deposit $25k

Most accessible would be 20 debit transactions but that's realisticly still a burden. Unless there's an easy way to do that? Idk Even if there was I don't make $2500 a month. 

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Still too much work IMHO but you 'could' take the same $2500 and set up auto deposit and withdrawal and just keep using the same $2500.  But you'd have to find an institution that could spoof a DD with Stanford.  Some banks are easier than others to trick a DD.  As for 20 debit card transactions, the old days of 20 auto $1 reloads to your amazon gift card balance are gone, now the minimum reload is $5.  Not sure if there is another way to set up some sort of auto 20 $1 payments.  

[CaneVariant]

Without the $2500 monthly direct deposit or $1250 social security deposit it definitely isn't as attractive having to do 20 debit swipes totaling $1000. My plan is to apply for both the card and a line of credit (or possibly a SSL) when I get to 0/12;1/24 if the offer is still up.

[Vinjints]

Re: debit swipes, I saw someone mention very recently that they use venmo or similar to P2 in $1 increments at the beginning of each month.